Free Guide to Saving Money on Lee Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse. Companies like GEICO and Progressive constantly bombard you with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have a current car insurance policy or need new coverage, you can learn to find the best rates and still get good coverage. Buying car insurance in Lee is easy if you know what you're doing. Florida vehicle owners just need to know the tricks to get comparison rates over the internet.

Save big with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically at quote time, but a few need to be asked about in order for you to get them. If you aren't receiving every discount possible, you are throwing money away.

  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Discount - Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Claim Free - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • New Car Discount - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

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Car insurance ads bend the truth

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and GEICO. They all say the same thing that you'll save big after switching your coverage to them.

How can each company make the same claim?

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a driver they prefer could be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much money. That's the way companies can advertise the way they do.

This emphasizes why you should get quotes from several different companies. Because you never know which car insurance company will provide you with the cheapest rates.

Much more information about car insurance in Florida can be found on the website for the Florida Office of Insurance Regulation located here. Consumers can view a list of available companies, report car insurance fraud, learn about insurance regulations, and download brochures.

In the end, you save

Budget-conscious car insurance can be bought from both online companies as well as from independent agents in Lee, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.